Return to the Mortgage Glossary Home to view explanations for all mortgage terms. What follows is the definition for the term Adverse Credit as it relates to mortgages in the UK. Adverse Credit If a borrower has a history of poor credit usage then this is described as Adverse Credit. Poor Credit history can include County Court Judgements(CCJ), Bankruptcy, Mortgage arrears or any late payments on credit arrangements. It is in your best intrest to avoid a situation where you should aquire an adverse credit rating. Previous 10 terms < Advance < Administration Fee < Additional Security Fee < Added To Loan < Accident, Sickness and Unemployment Insurance (ASU) < Valuation Fee < Valuation < SVR (Standard Variable Rate) < Survey < Self-employed Next 10 terms Agreement in Principle  > APR - Annual Percentage Rate  > Arrears  > Bankrupt  > Base Rate  > Booking Fee and Arrangement Fee  > Building Society  > Buildings Insurance  > Capital and Interest Mortgage  > Capped Rate Mortgages  >